Average Home Insurance Cost in Colorado

A standard frame home in Colorado with $250,000 dwelling coverage costs $4,075 annually to insure. Break that down monthly and you're paying $340, which is 18% more than the $3,467 national average. Colorado is among the country's more expensive states for homeowners' coverage. Car insurance in Colorado also runs higher than in many states.

*These rates are for a frame construction home built in 2000 with $250,000 dwelling, $125,000 personal property, $200,000 liability coverage and a $1,000 deductible.

Location drives the largest rate swings in Colorado home insurance. Your credit score, the age of your house, how much coverage you buy, which company you pick and your claims history all push your premium up or down by hundreds of dollars each year.

Your Colorado address determines your premium more than most other factors. Pueblo's $363 monthly rates cost 77% more than Winter Park's $205 charges. That's $1,896 extra per year for the same dwelling coverage, personal property protection and liability limits. Location-based pricing reflects each city's unique risk profile.

Insurance costs rise with coverage amounts, though not proportionally. A $100,000 dwelling policy costs $2,343 yearly in Colorado. Increase that to $250,000 dwelling coverage and you'll pay $4,075, a 74% rate increase for 150% more protection.

How much you pay for home insurance in Colorado also depends on your chosen insurer. State Farm charges $196 monthly for standard protection, while Allstate's rate hits $233 monthly for the same coverage. Auto-Owners Insurance undercuts both at $144 monthly, while Farmers reaches $562. These spreads prove no single company dominates pricing for all homeowners.

Older homes cost more to insure because they tend to break down more frequently. A house built in 1980 costs $3,789 yearly, versus $2,829 for a 2020 build. That's a 34% increase for the same coverage, simply because your electrical, plumbing, and heating systems are decades old.

Bad credit more than doubles your home insurance bill in Colorado. Insurance companies check credit scores to predict how likely you are to file claims — fair or not, that's reality. Someone with poor credit pays $673 monthly, while someone with excellent credit pays $258.

Certain factors push Colorado home insurance premiums higher: claim frequency, natural disaster exposure and construction expenses that exceed national averages.

You'll pay $4,075 yearly on average for Colorado home insurance, but you can cut that without dropping important coverage. You can lower your bill while keeping protection for repairs, rebuilding and liability.

These questions come up constantly when Colorado homeowners shop for coverage or try to understand their bills.

Colorado homeowners see quotes vary by thousands of dollars for identical coverage, sometimes nearly four times more. We built our rate analysis to isolate what actually drives your costs, helping you identify where you can save and where you should spend.

Our baseline home: $250,000 dwelling coverage, $125,000 personal property, $200,000 liability and a $1,000 deductible. This frame home built in 2000 with a composition roof and no claims in five years reflects Colorado's median home value and most common construction age. We chose these specifications because they represent the typical Colorado homeowner's situation.

We changed one variable at a time to measure each factor's real cost impact. For home age, we compared rates for identical coverage on homes built in 1980, 2000 and 2020. For credit scores, we requested quotes using excellent, good, below fair and poor credit while keeping all other details the same. This approach shows exactly what each factor costs, not general trends or estimates.

Your actual rates depend on your home's age, construction type, roof condition, coverage limits, claims history, credit score and ZIP code. Use these comparisons to focus on the factors you can control.